Your plan's funds - MACOMB COUNTY DEFERRED COMPENSATION PLAN & TRUST


Your plan offers the following diversified lineup of funds. Click any fund name for more information about a particular fund, or visit Vanguard.com to obtain prospectus.
All investing is subject to risk.

Variable Return Funds in the plan
All-in-one options
Fund name Fund symbol/
number		 Total annual operating expenses Average annual total return**
 as of 12/31/2022		 Benchmark
As a % Per $1000 1-Year 5-Year 10-Year Since inception 1-Year 5-Year 10-Year
Vanguard Target Retirement Income VTINX
0308		 0.08% 0.80 –12.74%   2.30%   3.62%   4.57%
(10/27/2003)		 -12.44% 2.59% 3.86%
Target Retirement Income Composite Index
Vanguard Target Retirement 2020 VTWNX
0682		 0.08% 0.80 –14.15%   3.22%   5.83%   5.52%
(06/07/2006)		 -13.77% 3.58% 6.13%
Target Retirement 2020 Composite Index
Vanguard Target Retirement 2025 VTTVX
0304		 0.08% 0.80 –15.55%   3.58%   6.43%   6.13%
(10/27/2003)		 -15.02% 4.01% 6.77%
Target Retirement 2025 Composite Index
Vanguard Target Retirement 2030 VTHRX
0695		 0.08% 0.80 –16.27%   3.94%   6.99%   6.02%
(06/07/2006)		 -15.71% 4.36% 7.34%
Target Retirement 2030 Composite Index
Vanguard Target Retirement 2035 VTTHX
0305		 0.08% 0.80 –16.62%   4.34%   7.57%   6.83%
(10/27/2003)		 -16.10% 4.76% 7.92%
Target Retirement 2035 Composite Index
Vanguard Target Retirement 2040 VFORX
0696		 0.08% 0.80 –16.98%   4.74%   8.06%   6.59%
(06/07/2006)		 -16.51% 5.14% 8.42%
Target Retirement 2040 Composite Index
Vanguard Target Retirement 2045 VTIVX
0306		 0.08% 0.80 –17.36%   5.14%   8.34%   7.40%
(10/27/2003)		 -16.93% 5.53% 8.70%
Target Retirement 2045 Composite Index
Vanguard Target Retirement 2050 VFIFX
0699		 0.08% 0.80 –17.46%   5.18%   8.36%   6.79%
(06/07/2006)		 -17.07% 5.58% 8.72%
Target Retirement 2050 Composite Index
Vanguard Target Retirement 2055 VFFVX
1487		 0.08% 0.80 –17.46%   5.18%   8.34%   8.97%
(08/18/2010)		 -17.07% 5.58% 8.72%
Target Retirement 2055 Composite Index
Vanguard Target Retirement 2060 VTTSX
1691		 0.08% 0.80 –17.46%   5.18%   8.34%   8.59%
(01/19/2012)		 -17.07% 5.58% 8.72%
Target Retirement 2060 Composite Index
Vanguard Target Retirement 2065 VLXVX
1791		 0.08% 0.80 –17.39%   5.15%   —   6.42%
(07/12/2017)		 -17.07% 5.58% —
Target Retirement 2065 Composite Index
Vanguard Target Retirement 2070 VSVNX
V009		 0.08% 0.80 —   —   —   1.02%
(06/28/2022)		 -17.07% 5.58% 8.23%
Target Retirement 2070 Composite Index
Other options
Fund name Fund symbol/
number		 Total annual operating expenses Average annual total return**
 as of 12/31/2022		 Benchmark
As a % Per $1000 1-Year 5-Year 10-Year Since inception 1-Year 5-Year 10-Year
Short-Term Reserves
Galliard Stable Return Fund C —
3276		 0.37% 3.70 1.91%   1.99%   1.72%   2.33%
(06/01/2006)		 -3.65% 0.77% 0.67%
ICE BofA 1-3Y US Trsy TR USD
Vanguard Federal Money Mkt Fund VMFXX
0033		 0.11% 1.10 1.55%   1.18%   0.71%   3.88%
(07/13/1981)		 1.25% 0.87% 0.47%
U.S. Government Money Market Funds Average
Bond Funds
Pioneer Bond Y PICYX
6742		 0.44% 4.40 –14.25%   0.44%   1.79%   4.37%
(09/20/2001)		 -13.01% 0.02% 1.06%
Bloomberg US Agg Bond TR USD
Vanguard Inflation-Protect Sec Adm VAIPX
5119		 0.10% 1.00 –11.85%   1.97%   1.01%   3.20%
(06/10/2005)		 -11.85% 2.11% 1.12%
Bloomberg U.S. Treasury Inflation Protected Securities Index
Vanguard Total Bond Mkt Index Adm VBTLX
0584		 0.05% 0.50 –13.16%   –0.01%   1.00%   3.19%
(11/12/2001)		 -13.07% 0.06% 1.08%
Spliced Bloomberg U.S. Aggregate Float Adjusted Index
Domestic Stock Funds
American Beacon Small Cp Val Inv AVPAX
2494		 1.15% 11.50 –8.06%   4.74%   9.05%   9.83%
(02/26/1999)		 -14.48% 4.13% 8.48%
Russell 2000 Value TR USD
Dodge & Cox Stock I DODGX
0292		 0.51% 5.10 –7.22%   8.72%   12.44%   11.03%
(01/04/1965)		 -18.11% 9.42% 12.56%
S&P 500 TR USD
Janus Henderson Mid Cap Value T JMCVX
2576		 0.75% 7.50 –5.10%   4.72%   8.44%   10.33%
(08/12/1998)		 -12.03% 5.72% 10.11%
Russell Mid Cap Value TR USD
JPMorgan Small Cap Growth R6 JGSMX
3395		 0.76% 7.60 –32.13%   6.21%   11.77%   11.08%
(11/30/2010)		 -26.36% 3.51% 9.20%
Russell 2000 Growth TR USD
MFS Mid Cap Growth R6 OTCKX
7308		 0.67% 6.70 –28.29%   9.19%   —   12.10%
(01/02/2013)		 -26.72% 7.64% 11.41%
Russell Mid Cap Growth TR USD
T. Rowe Price Growth Stock I PRUFX
6689		 0.51% 5.10 –40.05%   5.10%   —   8.34%
(08/28/2015)		 -18.11% 9.42% 12.56%
S&P 500 TR USD
Vanguard Total Stock Mkt Idx Inst VITSX
0855		 0.03% 0.30 –19.51%   8.72%   12.08%   7.97%
(07/07/1997)		 -19.49% 8.73% 12.09%
Spliced Total Stock Market Index
International Stock Funds
Columbia Overseas Value Inst3 COSYX
7097		 0.83% 8.30 –5.88%   1.36%   —   4.21%
(07/01/2015)		 -5.58% 0.17% 3.51%
MSCI EAFE Value NR USD
Vanguard International Growth Adm VWILX
0581		 0.34% 3.40 –30.79%   4.75%   7.84%   7.12%
(08/13/2001)		 -16.00% 0.88% 3.80%
Spliced International Index
Vanguard Tot Intl Stock Ix Admiral VTIAX
0569		 0.11% 1.10 –16.01%   1.09%   4.06%   4.02%
(11/29/2010)		 -16.10% 1.10% 4.20%
Spliced Total International Stock Index

** Returns are adjusted for fees where applicable. Click a fund name to view the fund profile for additional detail.

a As of 12/31/2022

The performance data shown represents past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited.

Performance data for periods of less than one year do not reflect the deduction of purchase and redemption fees. Some funds may have administrative expenses related to the cost of employer plan recordkeeping, which are not reflected in the figures. If these fees were included, the performance would be lower. All other performance data are adjusted for purchase and redemption fees where applicable. Click a fund name to view the fund profile for additional detail.

©2007 Morningstar, Inc. All Rights Reserved. Certain information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
 

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